/* ============ FINCENTRIX DESIGN SYSTEM ============ */
:root{
  --blue:#002D69; --blue-dark:#001B45; --blue-bg:#E9EFF7; --blue-border:#B6C6DE;
  --orange:#F86304; --orange-dark:#D34F02; --orange-bg:#FEEDE1;
  --green:#3B6D11; --green-bg:#EAF3DE; --green-border:#C0DD97; --green-dark:#27500A;
  --amber:#854F0B; --amber-bg:#FAEEDA;
  --offwhite:#F7F6F2; --border:#ECEAE3;
  --ink:#1A1A18; --muted:#888780;
  --navy:#00214E; --wa:#25D366;
  --radius:14px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;font-size:15px;line-height:1.7;color:var(--ink);background:#fff}
h1,h2,h3,h4{font-family:'Sora',sans-serif;font-weight:700;line-height:1.25}
h1{font-size:clamp(28px,4vw,42px)}
h2{font-size:clamp(22px,3vw,30px)}
h3{font-size:18px;font-weight:600}
p{color:#444}
a{color:var(--blue);text-decoration:none}
img{max-width:100%}
.container{max-width:1140px;margin:0 auto;padding:0 20px}
.section{padding:64px 0}
.section.alt{background:var(--offwhite)}
.section-head{text-align:center;max-width:640px;margin:0 auto 40px}
.section-head p{color:var(--muted);margin-top:10px}
.eyebrow{display:inline-block;background:var(--blue-bg);color:var(--blue);font-size:12px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;padding:4px 12px;border-radius:100px;margin-bottom:14px}

/* Buttons */
.btn{display:inline-block;font-family:'DM Sans',sans-serif;font-weight:500;font-size:15px;border-radius:8px;padding:11px 22px;cursor:pointer;border:none;transition:all .15s;text-align:center}
.btn-primary{background:var(--blue);color:#fff}
.btn-primary:hover{background:var(--blue-dark)}
.btn-outline{background:transparent;border:1.5px solid var(--blue);color:var(--blue)}
.btn-outline:hover{background:var(--blue-bg)}
.btn-wa{background:var(--wa);color:#fff}
.btn-wa:hover{filter:brightness(.93)}
.btn-white{background:#fff;color:var(--blue)}
.btn-white:hover{background:var(--blue-bg)}
.btn-lg{padding:14px 28px;font-size:16px}

/* Pills */
.pill{display:inline-block;font-size:11.5px;font-weight:600;padding:3px 10px;border-radius:100px}
.pill-blue{background:var(--blue-bg);color:var(--blue)}
.pill-green{background:var(--green-bg);color:var(--green)}
.pill-amber{background:var(--amber-bg);color:var(--amber)}

/* Announcement bar */
.announce{background:var(--navy);color:rgba(255,255,255,.85);font-size:12.5px;padding:7px 0}
.announce .container{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.announce a{color:#fff;font-weight:500}
.announce strong{color:#fff}

/* Nav */
.nav{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--border)}
.nav .container{display:flex;align-items:center;justify-content:space-between;height:84px}
.logo{font-family:'Sora',sans-serif;font-size:22px;font-weight:700;color:var(--ink)}
.logo span{color:var(--blue)}
.nav-links{display:flex;align-items:center;gap:26px;list-style:none}
.nav-links a{color:var(--ink);font-size:14.5px;font-weight:500}
.nav-links a:hover{color:var(--blue)}
.nav-cta{display:flex;align-items:center;gap:10px}
.nav-cta .btn{padding:9px 16px;font-size:14px}
.dropdown{position:relative}
.dropdown>a::after{content:" ▾";font-size:10px;color:var(--muted)}
.dropdown-menu{display:none;position:absolute;top:100%;left:-14px;background:#fff;border:1px solid var(--border);border-radius:10px;box-shadow:0 8px 30px rgba(0,0,0,.1);padding:8px;min-width:250px;list-style:none}
.dropdown:hover .dropdown-menu{display:block}
.dropdown-menu a{display:block;padding:9px 12px;border-radius:7px;font-size:14px}
.dropdown-menu a:hover{background:var(--blue-bg)}
.hamburger{display:none;background:none;border:none;font-size:26px;cursor:pointer;color:var(--ink)}

/* Hero */
.hero{background:linear-gradient(120deg,#dff0e8,#ddeeff);padding:72px 0}
.hero .container{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.hero p.sub{font-size:17px;color:#3a3a38;margin:18px 0 26px;max-width:520px}
.hero-ctas{display:flex;gap:12px;flex-wrap:wrap}
.stats-card{background:#fff;border:1px solid var(--blue-border);border-radius:var(--radius);box-shadow:0 10px 40px rgba(24,95,165,.12);padding:26px;display:grid;grid-template-columns:1fr 1fr;gap:22px}
.stats-card .num{font-family:'Sora',sans-serif;font-size:26px;font-weight:700;color:var(--blue)}
.stats-card .lbl{font-size:12.5px;color:var(--muted)}

/* Trust bar */
.trustbar{background:var(--blue);color:#fff;padding:26px 0}
.trustbar .container{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;text-align:center}
.trustbar .num{font-family:'Sora',sans-serif;font-size:22px;font-weight:700}
.trustbar .lbl{font-size:12.5px;opacity:.85}

/* Cards */
.grid{display:grid;gap:20px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:26px;box-shadow:0 1px 4px rgba(0,0,0,.07);transition:all .2s}
.card:hover{box-shadow:0 4px 20px rgba(0,0,0,.09);transform:translateY(-2px);border-color:var(--blue-border)}
.card .icon{font-size:28px;margin-bottom:12px}
.card h3{margin-bottom:8px}
.card p{font-size:14px;color:var(--muted)}
.card .amount{font-family:'Sora',sans-serif;font-weight:600;color:var(--blue);font-size:15px;margin:12px 0 8px}
.card .pills{display:flex;gap:6px;flex-wrap:wrap;margin-bottom:12px}
.card .apply-link{font-weight:600;font-size:14px}
a.card{display:block;color:inherit}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.step{text-align:center;padding:22px 14px;background:#fff;border:1px solid var(--border);border-radius:var(--radius)}
.step .n{width:40px;height:40px;border-radius:50%;background:var(--blue);color:#fff;font-family:'Sora',sans-serif;font-weight:700;display:flex;align-items:center;justify-content:center;margin:0 auto 12px}
.step h3{font-size:15.5px}
.step p{font-size:13px;color:var(--muted);margin-top:6px}

/* Testimonials */
.testimonial{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:24px}
.testimonial p.quote{font-size:14.5px;font-style:italic;color:#444}
.testimonial .who{margin-top:16px;font-weight:600;font-size:14px}
.testimonial .role{font-size:12.5px;color:var(--muted)}
.testimonial .result{margin-top:10px}

/* Lenders */
.lenders{display:flex;flex-wrap:wrap;gap:12px;justify-content:center}
.lender{background:#fff;border:1px solid var(--border);border-radius:9px;padding:10px 18px;font-family:'Sora',sans-serif;font-weight:600;font-size:13.5px;color:#555}

/* CTA band */
.cta-band{background:var(--blue);color:#fff;padding:56px 0;text-align:center}
.cta-band h2{color:#fff}
.cta-band p{color:rgba(255,255,255,.85);margin:12px 0 24px}
.cta-band .btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}

/* Footer */
footer{background:var(--navy);color:rgba(255,255,255,.75);padding:52px 0 0;font-size:14px}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:36px;padding-bottom:36px}
footer h4{color:#fff;font-size:14px;margin-bottom:14px}
footer ul{list-style:none}
footer li{margin-bottom:9px}
footer a{color:rgba(255,255,255,.75)}
footer a:hover{color:#fff}
footer .logo{color:#fff;margin-bottom:10px;display:inline-block}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding:18px 0;font-size:12.5px;display:flex;justify-content:space-between;gap:10px;flex-wrap:wrap}

/* Floating WhatsApp */
.wa-float{position:fixed;bottom:22px;right:22px;width:52px;height:52px;border-radius:50%;background:var(--wa);color:#fff;display:flex;align-items:center;justify-content:center;font-size:26px;box-shadow:0 6px 20px rgba(0,0,0,.25);z-index:99}

/* Page hero (inner pages) */
.page-hero{background:var(--blue-bg);padding:56px 0;text-align:center}
.page-hero p{color:#455;max-width:620px;margin:12px auto 0}
.page-hero .badge{display:inline-block;background:#fff;border:1px solid var(--blue-border);color:var(--blue);font-family:'Sora',sans-serif;font-weight:600;padding:6px 16px;border-radius:100px;margin-top:18px}

/* Checklists */
.checklist{list-style:none}
.checklist li{padding:8px 0 8px 30px;position:relative;border-bottom:1px dashed var(--border);font-size:14.5px}
.checklist li::before{content:"✓";position:absolute;left:0;color:var(--green);font-weight:700}

/* FAQ */
.faq-item{border:1px solid var(--border);border-radius:10px;margin-bottom:10px;background:#fff;overflow:hidden}
.faq-q{width:100%;text-align:left;background:none;border:none;padding:16px 18px;font-family:'Sora',sans-serif;font-size:15px;font-weight:600;color:var(--ink);cursor:pointer;display:flex;justify-content:space-between;gap:12px}
.faq-q::after{content:"+";color:var(--blue);font-size:20px;line-height:1}
.faq-item.open .faq-q::after{content:"–"}
.faq-a{display:none;padding:0 18px 16px;font-size:14px;color:#555}
.faq-item.open .faq-a{display:block}

/* Forms */
.form-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);box-shadow:0 4px 24px rgba(0,0,0,.06);padding:32px;max-width:720px;margin:0 auto}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{display:flex;flex-direction:column;gap:6px}
.field.full{grid-column:1/-1}
.field label{font-size:13px;font-weight:600;color:var(--ink)}
.field label .req{color:#c0392b}
.field input,.field select,.field textarea{font-family:'DM Sans',sans-serif;font-size:15px;padding:11px 12px;border:1.5px solid var(--border);border-radius:8px;background:var(--offwhite);outline:none;transition:border .15s;width:100%}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--blue);background:#fff}
.field .hint{font-size:12px;color:var(--muted)}
.radio-row{display:flex;gap:18px;padding:6px 0}
.radio-row label{font-weight:400;font-size:14px;display:flex;gap:6px;align-items:center}
.progress{display:flex;gap:8px;margin-bottom:24px}
.progress .p-step{flex:1;text-align:center;font-size:13px;font-weight:600;color:var(--muted);padding-bottom:10px;border-bottom:3px solid var(--border)}
.progress .p-step.active{color:var(--blue);border-color:var(--blue)}
.infobox{background:var(--amber-bg);border:1px solid #ecd9b3;color:var(--amber);border-radius:10px;padding:14px 16px;font-size:13.5px;margin:18px 0}
.notice-green{background:var(--green-bg);border:1px solid var(--green-border);color:var(--green-dark);border-radius:10px;padding:14px 16px;font-size:13.5px;margin-bottom:20px}
.upload-slot{border:1.5px dashed var(--blue-border);border-radius:10px;padding:14px 16px;margin-bottom:12px;background:#fbfdff}
.upload-slot label{font-size:14px;font-weight:600;display:block;margin-bottom:6px}
.upload-slot .meta{font-size:12px;color:var(--muted);margin-top:4px}
.upload-slot input[type=file]{font-size:13px;width:100%}
.form-actions{display:flex;gap:12px;margin-top:24px;flex-wrap:wrap}
.form-actions .btn{flex:1;min-width:180px}
.btn-grey{background:var(--border);color:#555}
.btn-grey:hover{background:#ddd}

/* Contact boxes */
.contact-box{text-align:center}
.contact-box .icon{font-size:26px}
.contact-box h3{font-size:15px;margin:10px 0 6px}
.contact-box p{font-size:13.5px}

/* Rate table */
.rate-table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--border);border-radius:12px;overflow:hidden;font-size:14px}
.rate-table th{background:var(--blue);color:#fff;text-align:left;padding:12px 16px;font-family:'Sora',sans-serif;font-size:13px}
.rate-table td{padding:12px 16px;border-top:1px solid var(--border)}
.rate-table tr:nth-child(even) td{background:var(--offwhite)}

/* ===== Calculators ===== */
.calc-card{background:#fff;border-radius:12px;box-shadow:0 4px 24px rgba(0,0,0,.07);max-width:800px;margin:0 auto;overflow:hidden;border:1px solid var(--border)}
.calc-tabs{display:flex;gap:4px;padding:12px;background:var(--offwhite);border-radius:12px 12px 0 0}
.tab{flex:1;padding:9px 12px;border:none;border-radius:8px;font-size:13px;font-family:'DM Sans',sans-serif;cursor:pointer;background:transparent;color:var(--muted);transition:all .15s;min-height:38px}
.tab.active{background:var(--blue);color:#fff;font-weight:500}
.tab-panel{display:none;padding:24px}
.tab-panel.active{display:block}
.input-row{display:flex;justify-content:space-between;align-items:center;padding:14px 0;border-bottom:1px solid var(--border);gap:10px}
.input-row.last{border-bottom:2px solid var(--blue)}
.input-label{font-size:14px;color:var(--muted)}
.input-label small{display:block;font-size:11px;color:#aaa;max-width:280px}
.input-value{font-size:16px;font-weight:500;color:var(--ink);text-align:right;border:none;outline:none;background:transparent;width:50%;font-family:'Sora',sans-serif;min-height:44px}
.tenure-wrap{display:flex;align-items:center;gap:8px;width:55%;justify-content:flex-end}
.tenure-wrap .input-value{width:45%}
.tenure-dropdown{border:none;background:transparent;color:var(--muted);font-size:14px;cursor:pointer;min-height:44px}
.results-panel{background:var(--navy);border-left:4px solid var(--blue);padding:20px 16px;margin-top:4px}
.result-row{display:flex;justify-content:space-between;align-items:center;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.08)}
.result-row:last-child{border-bottom:none}
.result-label{font-size:14px;color:rgba(255,255,255,.75)}
.result-label small{display:block;font-size:11px;color:rgba(255,255,255,.45);margin-top:2px}
.result-value{font-size:16px;font-weight:600;color:#fff;font-family:'Sora',sans-serif}
.result-value.hl-green{color:#6DD67A}
.compare-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.compare-col-header{font-size:14px;font-weight:600;color:var(--blue);padding-bottom:8px;border-bottom:2px solid var(--blue);margin-bottom:12px;font-family:'Sora',sans-serif;display:flex;justify-content:space-between;align-items:center}
.better-badge{background:var(--green-bg);color:var(--green-dark);font-size:10.5px;font-weight:700;padding:2px 8px;border-radius:100px;display:none}
.winner-banner{display:none;background:var(--green-bg);border:1px solid var(--green-border);color:var(--green-dark);font-size:13px;border-radius:8px;padding:12px 14px;margin-top:14px}
.calc-cta-btn{display:block;width:100%;background:var(--blue);color:#fff;border:none;border-radius:8px;padding:13px;font-size:15px;font-weight:500;cursor:pointer;margin-top:16px;text-align:center;transition:background .15s}
.calc-cta-btn:hover{background:var(--blue-dark)}
.calc-cta-note{font-size:11.5px;color:var(--muted);text-align:center;margin-top:8px}
.sched-toggle{background:none;border:none;color:var(--blue);font-size:13px;font-weight:600;cursor:pointer;margin-top:14px;padding:8px 0}
.sched-wrap{display:none;margin-top:8px;max-height:340px;overflow:auto;border:1px solid var(--border);border-radius:10px}
.sched-wrap table{width:100%;border-collapse:collapse;font-size:12.5px}
.sched-wrap th{background:var(--offwhite);position:sticky;top:0;padding:8px 10px;text-align:right;font-size:11.5px;color:var(--muted)}
.sched-wrap th:first-child,.sched-wrap td:first-child{text-align:left}
.sched-wrap td{padding:7px 10px;text-align:right;border-top:1px solid var(--border)}

/* Thank you */
.ty-card{text-align:center;max-width:560px;margin:0 auto;background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:48px 32px;box-shadow:0 4px 24px rgba(0,0,0,.06)}
.ty-card .check{width:72px;height:72px;border-radius:50%;background:var(--green-bg);color:var(--green);font-size:36px;display:flex;align-items:center;justify-content:center;margin:0 auto 20px}
.ty-card .ref{font-family:'Sora',sans-serif;font-size:20px;font-weight:700;color:var(--blue);background:var(--blue-bg);border-radius:10px;padding:12px;margin:18px 0}

/* Prose (privacy/terms) */
.prose{max-width:760px;margin:0 auto}
.prose h2{font-size:20px;margin:32px 0 10px}
.prose p,.prose li{font-size:14.5px;color:#444;margin-bottom:10px}
.prose ul{padding-left:22px}

/* Responsive */
@media(max-width:920px){
  .nav .container{height:70px}
  .logo-lockup{height:52px!important;max-height:52px}
  .grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}
  .hero .container{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:repeat(2,1fr)}
  .nav-links{display:none;position:absolute;top:70px;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;padding:16px 20px;gap:4px;border-bottom:1px solid var(--border);box-shadow:0 12px 30px rgba(0,0,0,.08)}
  .nav-links.open{display:flex}
  .nav-links li{width:100%}
  .nav-links a{display:block;padding:10px 0}
  .dropdown-menu{display:block;position:static;border:none;box-shadow:none;padding:0 0 0 14px;min-width:0}
  .hamburger{display:block}
  .nav-cta .btn-wa{display:none}
}
@media(max-width:560px){
  .grid-2,.grid-3,.grid-4{grid-template-columns:1fr}
  .form-grid{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr}
  .section{padding:44px 0}
  .announce .container{justify-content:center;text-align:center}
  .stats-card{grid-template-columns:1fr 1fr;padding:20px}
}
@media(max-width:480px){
  .tab{font-size:11px;padding:7px 6px}
  .input-value{font-size:15px}
  .input-label{font-size:13px}
  .result-value{font-size:15px}
  .result-label{font-size:13px}
  .compare-grid{grid-template-columns:1fr}
  .tab-panel{padding:16px 14px}
}
@media(prefers-reduced-motion:reduce){
  *{transition:none!important;animation:none!important}
  html{scroll-behavior:auto}
}

/* ===== Logo wordmark ===== */
.logo{display:flex;align-items:center;gap:9px}
.logo-mark{width:30px;height:30px;flex:none}
.logo-text{font-family:'Sora',sans-serif;font-size:22px;font-weight:700;color:var(--ink);letter-spacing:-.3px}
.logo-text span{color:var(--blue)}
footer .logo-text{color:#fff}
footer .logo-text span{color:#5FA3E0}

/* ===== Blog ===== */
.post-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:24px;box-shadow:0 1px 4px rgba(0,0,0,.07);transition:all .2s;display:flex;flex-direction:column;height:100%}
.post-card:hover{box-shadow:0 4px 20px rgba(0,0,0,.09);transform:translateY(-2px);border-color:var(--blue-border)}
.post-card .cat{font-size:11.5px;font-weight:600;color:var(--blue);text-transform:uppercase;letter-spacing:.05em}
.post-card h3{margin:8px 0 10px;font-size:17px;line-height:1.35}
.post-card h3 a{color:var(--ink)}
.post-card h3 a:hover{color:var(--blue)}
.post-card p{font-size:14px;color:var(--muted);flex:1}
.post-meta{font-size:12.5px;color:var(--muted);margin-top:14px;display:flex;gap:10px;align-items:center;flex-wrap:wrap}
.post-card .read{font-weight:600;font-size:14px;color:var(--blue);margin-top:12px;display:inline-block}

.article{max-width:760px;margin:0 auto}
.article h1{font-size:clamp(26px,3.6vw,38px);line-height:1.25;margin-bottom:14px}
.article h2{font-size:clamp(20px,2.6vw,26px);margin:36px 0 12px;padding-top:6px}
.article h3{font-size:18px;margin:26px 0 10px}
.article p{font-size:16px;line-height:1.8;margin-bottom:16px;color:#333}
.article ul,.article ol{padding-left:24px;margin-bottom:18px}
.article li{font-size:16px;line-height:1.8;margin-bottom:8px;color:#333}
.article strong{color:var(--ink);font-weight:700}
.article blockquote{border-left:4px solid var(--blue);background:var(--blue-bg);margin:20px 0;padding:14px 18px;border-radius:0 10px 10px 0;font-family:'Sora',sans-serif;font-size:15px;color:var(--ink)}
.article blockquote p{margin:0;font-size:15px}
.article table{width:100%;border-collapse:collapse;margin:22px 0;font-size:14.5px;border:1px solid var(--border);border-radius:12px;overflow:hidden}
.article th{background:var(--blue);color:#fff;text-align:left;padding:11px 14px;font-family:'Sora',sans-serif;font-size:13.5px}
.article td{padding:11px 14px;border-top:1px solid var(--border)}
.article tr:nth-child(even) td{background:var(--offwhite)}
.article hr{border:none;border-top:1px solid var(--border);margin:32px 0}
.article em{color:var(--muted)}
.article > p > em:only-child{display:block;font-size:13px;padding:12px 0}
.article-head{border-bottom:1px solid var(--border);padding-bottom:22px;margin-bottom:28px}
.article-head .meta{font-size:13.5px;color:var(--muted);margin-top:12px;display:flex;gap:12px;flex-wrap:wrap;align-items:center}
.article-cta{background:var(--blue-bg);border:1px solid var(--blue-border);border-radius:var(--radius);padding:26px;margin:34px 0 10px}
.article-cta h3{margin-bottom:8px}
.article-cta p{font-size:14.5px;margin-bottom:16px}
.breadcrumb{font-size:13px;color:var(--muted);margin-bottom:16px}
.breadcrumb a{color:var(--muted)}
.breadcrumb a:hover{color:var(--blue)}
.toc{background:var(--offwhite);border:1px solid var(--border);border-radius:12px;padding:18px 22px;margin-bottom:28px}
.toc strong{font-family:'Sora',sans-serif;font-size:13px;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);display:block;margin-bottom:10px}
.toc ul{list-style:none;padding:0;margin:0}
.toc li{margin-bottom:7px;font-size:14px}

/* ===== Catalogue ===== */
.vertical{margin-bottom:40px}
.vertical-head{display:flex;align-items:center;gap:14px;margin-bottom:6px}
.vertical-num{width:38px;height:38px;flex:none;border-radius:10px;background:var(--blue);color:#fff;font-family:'Sora',sans-serif;font-weight:700;font-size:15px;display:flex;align-items:center;justify-content:center}
.vertical h2{font-size:21px}
.subgroup{font-family:'Sora',sans-serif;font-size:13px;font-weight:600;color:var(--muted);text-transform:uppercase;letter-spacing:.05em;margin:22px 0 12px;padding-left:52px}
.cat-item{background:#fff;border:1px solid var(--border);border-radius:12px;padding:18px 20px;margin-bottom:10px;margin-left:52px;transition:all .18s}
.cat-item:hover{border-color:var(--blue-border);box-shadow:0 3px 14px rgba(0,0,0,.07)}
.cat-item h4{font-family:'Sora',sans-serif;font-size:15.5px;font-weight:600;margin-bottom:7px}
.cat-item p{font-size:14px;color:#555;margin-bottom:9px}
.cat-terms{font-size:12.5px;color:var(--blue);background:var(--blue-bg);border-radius:7px;padding:7px 11px;display:inline-block}
@media(max-width:640px){
  .subgroup,.cat-item{margin-left:0;padding-left:0}
  .subgroup{padding-left:0}
  .cat-item{padding:16px}
}

/* Statement cards */
.stmt{background:#fff;border:1px solid var(--border);border-left:4px solid var(--blue);border-radius:0 12px 12px 0;padding:22px 24px;margin-bottom:14px}
.stmt h3{font-size:14px;text-transform:uppercase;letter-spacing:.06em;color:var(--blue);margin-bottom:8px}
.stmt p{font-size:15.5px;color:#333;line-height:1.7}
.charter{counter-reset:c;list-style:none}
.charter li{position:relative;padding:12px 0 12px 44px;border-bottom:1px dashed var(--border);font-size:15px}
.charter li::before{counter-increment:c;content:counter(c);position:absolute;left:0;top:11px;width:28px;height:28px;border-radius:50%;background:var(--blue-bg);color:var(--blue);font-family:'Sora',sans-serif;font-weight:700;font-size:13px;display:flex;align-items:center;justify-content:center}
.promise{background:var(--blue);color:#fff;border-radius:var(--radius);padding:34px;text-align:center}
.promise .lbl{font-size:12px;text-transform:uppercase;letter-spacing:.1em;opacity:.8}
.promise h2{color:#fff;margin-top:10px;font-size:clamp(20px,3vw,28px)}


/* ===== Brand accent (logo orange) — reserved for the primary action ===== */
.btn-accent{background:var(--orange);color:#fff}
.btn-accent:hover{background:var(--orange-dark)}
.pill-orange{background:var(--orange-bg);color:var(--orange-dark)}
.eyebrow{background:var(--orange-bg);color:var(--orange-dark)}
.cta-band .btn-accent{background:var(--orange);color:#fff}
.step .n{background:var(--orange)}
.vertical-num{background:var(--orange)}
.card .icon{filter:none}
.results-panel{border-left-color:var(--orange)}
.input-row.last{border-bottom-color:var(--orange)}
.tab.active{background:var(--blue)}
.wa-float{bottom:22px}

/* ===== Real logo lockup ===== */
.logo{display:flex;align-items:center;gap:10px;text-decoration:none}
.logo-lockup{height:62px!important;width:auto!important;max-height:62px;flex:none;object-fit:contain;display:block}
.logo-type{display:flex;flex-direction:column;line-height:1}
.logo-name{font-family:'Cinzel',serif;font-size:19px;font-weight:700;color:var(--blue);letter-spacing:.02em}
.logo-sub{font-family:'DM Sans',sans-serif;font-size:8.5px;font-weight:500;color:var(--muted);letter-spacing:.22em;margin-top:3px}
footer .logo-name{color:#fff}
footer .logo-sub{color:rgba(255,255,255,.6)}
.footer-logo{height:96px!important;width:auto!important;max-height:96px;margin-bottom:12px;object-fit:contain}
@media(max-width:560px){
  .logo-lockup{height:50px!important;max-height:50px}
  .logo-name{font-size:16px}
  .logo-sub{font-size:7.5px;letter-spacing:.18em}
}

/* ===== Footer logo chip (full-colour lockup on white) ===== */
.footer-logo-chip{display:inline-block;background:#fff;border-radius:12px;padding:14px 18px;margin-bottom:14px}
.footer-logo{height:70px!important;width:auto!important;max-height:70px;display:block;object-fit:contain}

/* ===== Product page ===== */
.prod-hero{background:linear-gradient(120deg,#eaf0f8,#e9eff7 60%,#fdf1e8);padding:40px 0 52px;border-bottom:1px solid var(--border)}
.prod-hero .breadcrumb{margin-bottom:22px}
.prod-hero-grid{display:grid;grid-template-columns:1.5fr 1fr;gap:40px;align-items:center}
.prod-hero h1{margin:6px 0 10px}
.prod-tagline{font-size:17px;color:#3a3a38;max-width:520px;line-height:1.6}
.prod-hero-ctas{display:flex;gap:12px;flex-wrap:wrap}
.prod-amount-card{background:#fff;border:1px solid var(--blue-border);border-radius:16px;box-shadow:0 12px 40px rgba(0,45,105,.12);padding:26px}
.pac-label{font-size:12px;text-transform:uppercase;letter-spacing:.08em;color:var(--muted)}
.pac-value{font-family:'Sora',sans-serif;font-size:30px;font-weight:700;color:var(--blue);margin:6px 0 12px}
.pac-note{font-size:12.5px;color:var(--muted);line-height:1.6}

/* spec grid */
.spec-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.spec-card{display:flex;gap:14px;align-items:flex-start;background:#fff;border:1px solid var(--border);border-radius:14px;padding:20px;transition:all .18s}
.spec-card:hover{border-color:var(--blue-border);box-shadow:0 4px 18px rgba(0,0,0,.07);transform:translateY(-2px)}
.spec-ico{font-size:26px;line-height:1;flex:none}
.spec-label{font-size:12px;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);margin-bottom:5px}
.spec-val{font-family:'Sora',sans-serif;font-size:16px;font-weight:600;color:var(--ink);line-height:1.35}

/* prose */
.prod-prose p{font-size:16px;line-height:1.85;margin-bottom:16px;color:#333}
.prod-prose strong{color:var(--ink)}

/* detail cards */
.detail-card{background:#fff;border:1px solid var(--border);border-radius:16px;padding:28px;box-shadow:0 1px 4px rgba(0,0,0,.06)}
.detail-elig{border-top:4px solid var(--green)}
.detail-docs{border-top:4px solid var(--blue)}
.detail-head{display:flex;align-items:center;gap:10px;margin-bottom:16px}
.detail-ico{font-size:22px}
.detail-head h3{font-size:18px}
.detail-card .checklist li{font-size:15px;padding:10px 0 10px 30px}

/* cross-nav chips */
.prod-chips{display:flex;flex-wrap:wrap;gap:10px;justify-content:center}
.prod-chip{background:#fff;border:1px solid var(--border);border-radius:100px;padding:10px 18px;font-size:14px;font-weight:500;color:var(--ink);transition:all .16s}
.prod-chip:hover{border-color:var(--blue);background:var(--blue-bg);color:var(--blue);transform:translateY(-1px)}

/* final CTA band */
.prod-final-cta{background:var(--blue);color:#fff;padding:54px 0;text-align:center}
.prod-final-cta h2{color:#fff}
.prod-final-cta p{color:rgba(255,255,255,.82);margin:12px 0 24px;font-size:15px}
.prod-final-cta .btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}

@media(max-width:820px){
  .spec-grid{grid-template-columns:repeat(2,1fr)}
  .prod-hero-grid{grid-template-columns:1fr;gap:26px}
  .prod-amount-card{max-width:420px}
}
@media(max-width:560px){
  .spec-grid{grid-template-columns:1fr}
  .prod-hero-ctas .btn,.prod-hero-ctas{width:100%}
  .prod-hero-ctas .btn{text-align:center}
}

/* ===== Infographics ===== */
.info-block{background:#fff;border:1px solid var(--border);border-radius:16px;padding:30px 28px;box-shadow:0 1px 4px rgba(0,0,0,.06)}
.infographic{width:100%;height:auto;display:block;max-width:900px;margin:0 auto}
.infographic-donut{max-width:340px}
.info-caption{font-size:13.5px;color:var(--muted);text-align:center;margin-top:18px;line-height:1.6;max-width:640px;margin-left:auto;margin-right:auto}
.info-caption strong{color:var(--ink)}
.ring-wrap{display:flex;gap:28px;align-items:center;flex-wrap:wrap;justify-content:center}
.infographic-ring{width:180px;height:180px;flex:none}
.ring-note{flex:1;min-width:260px}
.ring-note p{font-size:15px;line-height:1.7;margin-bottom:10px;color:#333}
.ring-note strong{color:var(--blue)}

/* spec-card icons (SVG) */
.spec-ico{width:44px;height:44px;flex:none;border-radius:11px;background:var(--blue-bg);color:var(--blue);display:flex;align-items:center;justify-content:center}
.spec-ico .ic{width:24px;height:24px;display:block}
.spec-ico svg,.ic svg{width:100%;height:100%;display:block}
.detail-ico{width:40px;height:40px;border-radius:10px;display:flex;align-items:center;justify-content:center}
.detail-ico .ic{width:22px;height:22px}
.detail-elig .detail-ico{background:var(--green-bg);color:var(--green)}
.detail-docs .detail-ico{background:var(--blue-bg);color:var(--blue)}

/* industries strip */
.ind-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;max-width:820px;margin:0 auto}
.ind-chip{display:flex;align-items:center;gap:12px;background:#fff;border:1px solid var(--border);border-radius:12px;padding:16px 18px;font-family:'Sora',sans-serif;font-weight:600;font-size:14.5px;color:var(--ink);transition:all .16s}
.ind-chip:hover{border-color:var(--blue-border);box-shadow:0 3px 14px rgba(0,0,0,.07);transform:translateY(-2px)}
.ind-chip .ic{width:26px;height:26px;flex:none;color:var(--orange)}

/* inline apply form on product pages */
.inline-apply{max-width:780px;margin:0 auto;background:#fff;border:1px solid var(--border);border-radius:16px;box-shadow:0 6px 30px rgba(0,0,0,.07);padding:30px}
.inline-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:6px}
.inline-note{font-size:12.5px;color:var(--muted);text-align:center;margin-top:14px}
@media(max-width:600px){.inline-grid{grid-template-columns:1fr}}

@media(max-width:640px){
  .ind-grid{grid-template-columns:1fr 1fr;gap:10px}
  .ind-chip{font-size:13px;padding:13px 12px;gap:9px}
  .info-block{padding:20px 14px}
  .ring-wrap{gap:16px}
}
@media(max-width:420px){
  .ind-grid{grid-template-columns:1fr}
}

/* ===== EMI download buttons ===== */
.dl-row{display:flex;gap:10px;margin:16px 0 4px;clear:both}
.dl-btn{flex:1;padding:12px;border-radius:8px;font-family:'DM Sans',sans-serif;font-size:14px;font-weight:600;cursor:pointer;border:1.5px solid var(--blue-border);background:#fff;color:var(--blue);transition:all .15s}
.dl-btn:hover{background:var(--blue-bg)}
.dl-pdf:hover{border-color:var(--orange);color:var(--orange-dark);background:var(--orange-bg)}
@media(max-width:480px){.dl-row{flex-direction:column}}

/* amber regulatory notice on product pages */
.notice-amber{background:#FFF6E9;border:1px solid #F5D89A;border-left:4px solid #F0A020;border-radius:10px;padding:14px 18px;font-size:14px;line-height:1.6;color:#6B4E12}
.notice-amber strong{color:#8A5A00}


/* clickable catalogue product headings */
.cat-item h4 a.cat-link{color:var(--blue);text-decoration:none;transition:color .15s}
.cat-item h4 a.cat-link:hover{color:var(--orange);text-decoration:underline}
.cat-item{transition:box-shadow .16s,transform .16s}
.cat-item:has(a.cat-link):hover{box-shadow:0 4px 18px rgba(0,0,0,.08);transform:translateY(-2px)}
.cat-item h4 a.cat-link::after{content:" →";font-size:.85em;opacity:.55}